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t-v
kkg337
aggi
Tenderloin
I'm fairly sure this is a cashflow discussion.
Either you have the money now + the time the work takes to complete + longing out a bit of snagging.
or
Save until you do have the above or can borrow.
Or
Part the work out in bits over a longer period of time, accept that certain elements will be less than your ideal for periods of time and that the overall cost efficiency will be poorer.
Also if you're being quoted 240k this will be 300+ by the time all is said and done. If it's stressing you now then seeing the invoices roll in and your bank account run dry won't improve things. Especially if you're onsite (or what we did, live in the PiL's spare room with a 1yr old 2 hours from London and commuting 4 x per week). I can look back now and love our place. But even having a turnkey builder/architect and having most of the money in hand, it was still a lot.